Palm Cove Golf & Yacht Club in Palm City

Palm Cove
Golf & Yacht Club

Established 1988 · Palm City · Martin County

Palm City's gated golf and yacht club on the St. Lucie River, with a private marina and a Chi Chi Rodriguez course.

Gated, guarded golf and yacht club93-slip private marinaSt. Lucie River frontage
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
Tight supply keeps sellers in control, but dated interiors still trade at a discount, so condition is where buyers win.
Free · No obligation
Unlock Off-Market Palm Cove

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive BeachesMLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulseBeachesMLS
$1.01M
Median Price
5.3mo
Supply
50days
Avg DOM
Soft
Seller Leverage
$315/sf
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Palm Cove Golf & Yacht Club is a guarded, gated Toll Brothers community on the St. Lucie River in Palm City, just 232 luxury homes around a par-71 Chi Chi Rodriguez course with a private 93-slip marina and a Riverfront Yacht Club. The read is the homesite plus the boating and the home. Value turns on the riverfront, fairway, or interior position, the dockage and marina slip access, and the condition of a large home that ranges widely in size, while the gated golf-and-yacht lifestyle and the Martin County schools are the durable draw. Confirm the HOA, the marina slip terms, and the home's condition before you write."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Palm Cove Golf & Yacht Club market snapshot (as of June 15, 2026): the median sale price is about $1.0M ($315 per sq ft), with homes averaging 50 days on market and 5.3 months of supply, a buyer-leaning market (limited data). Based on 9 recent closings in live BeachesMLS data.

Palm Cove Golf & Yacht Club is a guarded, gated community in Palm City, Martin County, built by Toll Brothers on the St. Lucie River. It is a small, low-density community of only 232 homes, many with riverfront or fairway views, so most purchases are resales.

Homes are luxury single-family golf homes and estate residences ranging from about 2,000 square feet to well over 8,000, so the homesite, the view, and the condition of a large home drive value more than a headline number across a varied housing stock.

The amenities define the community: a par-71 Chi Chi Rodriguez golf course and pro shop, and a private 93-slip marina available to homeowners that accommodates boats up to about 60 feet with St. Lucie River and ocean access. The Riverfront Yacht Club adds a fitness center, a dining room and bar over the river, and a pool.

Diligence is the diligence of a gated golf-and-yacht community: confirm the HOA dues and what they cover, the golf and yacht-club membership structure, the marina slip availability and cost, the riverfront or fairway position, and the condition of a large home. Price by homesite, view, and condition, not by the community name.

Best for

  • Buyers who want a gated golf-and-yacht community with a private marina on the St. Lucie River
  • Boaters and golfers who want slip access and a Chi Chi Rodriguez course behind a guarded gate
  • Buyers who want a larger home in a low-density Palm City community near A-rated schools

Probably not for

  • Buyers who want an attainable price point or a no-association lifestyle
  • Anyone seeking new construction with a builder warranty or a small low-maintenance unit
  • Buyers who want a coastal or downtown-walkable address rather than a gated river community

How Palm Cove is performing right now

50/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
5.3Months of supplytight
52Median days on marketdays
0 : 4Under contract vs for salestrong demand
9Sold in last 12 monthsliquidity
-2%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from BeachesMLS, as of June 15, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Palm Cove listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Palm Cove Golf & Yacht Club buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Palm Cove

Live MLS inventory for Palm Cove Golf & Yacht Club. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Palm Cove listings as of 2026-06-15, priced high to low. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc.. Tap any home to ask about it.

Listing locations from BeachesMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

I-95 and Florida's Turnpike (Martin Highway)~5 to 10 min · main corridors; approximate
Historic Downtown Stuart~15 min · east
Stuart and Hutchinson Island beaches~25 to 30 min · east to the coast
Atlantic Ocean (by boat, via the St. Lucie River)short · river-to-inlet access from the marina
Palm Beach International (PBI)~45 to 55 min · south via I-95
Palm City shopping and dining~10 min · nearby corridors

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Palm CoveGolf & Yacht Club with Momentum Realty’s local guides.

Seagate HarborSeagate HarborPalm City, FL · 0.5 miPelican CovePelican CovePalm City, FL · 0.5 miCrane Creek Country ClubCrane Creek Country ClubPalm City, FL · 0.6 miFour RiversFour RiversPalm City, FL · 0.6 miRustic HillsRustic HillsPalm City, FL · 1.1 miLake TuscanyLake TuscanyStuart, FL · 1.1 miIndian GrovesIndian GrovesStuart, FL · 1.2 miCamelliaCamelliaStuart, FL · 1.5 miWhispering SoundWhispering SoundPalm City, FL · 1.5 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Palm Cove (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Martin County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Palm Cove is served by Martin County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Buying with schools in mind? We can confirm the exact zoned schools for any Palm Cove address.

The takeaway

What actually shapes value at Palm Cove, sourced and dated. We do not publish rumor.

Recent Developments in Palm Cove Golf & Yacht Club

Our read on what is being built around Palm Cove, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishIn a low-density gated golf-and-yacht community, value turns on the homesite, the boating access, and the condition of a large home. The durable draw is the private marina, the course, and the Martin County location; the near-term factors are the membership and marina-slip terms and the condition of an older large home.

Private 93-slip marina with river-to-ocean access

BullishAn on-site marina for boats up to about 60 feet with St. Lucie River and ocean access is a scarce differentiator that supports demand; slip availability and cost should be confirmed. impact
SignificanceRadius: Community-wide

Private 93-slip marina with river-to-ocean access

Low-density gated golf community by Toll Brothers

NeutralOnly 232 luxury homes around a Chi Chi Rodriguez course mean the homesite, view, and condition of a large, varied home drive value, with most sales being resales. impact
SignificanceRadius: Community-wide

Low-density gated golf community by Toll Brothers

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Palm Cove Golf & Yacht Club, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. 2026
    Community

    Profiled as a gated golf-and-yacht community on the St. Lucie River

    Palm Cove Golf & Yacht Club is described as a guarded, gated Toll Brothers community on the St. Lucie River in Palm City of only 232 luxury homes from about 2,000 to over 8,000 square feet, with a par-71 Chi Chi Rodriguez golf course, a private 93-slip marina for boats up to about 60 feet, and a Riverfront Yacht Club with a fitness center, dining, and pool. Why it matters: The marina, the course, and the low-density luxury define the community. Confirm the HOA, the membership and marina-slip terms, and the condition of a large home, then comp by homesite and view. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Palm Cove, this is the order of operations we would run, and the one we run for our clients.

1

Confirm the HOA and membership structure. Verify the HOA dues, what they cover, and the golf and yacht-club membership terms in writing.

2

Confirm the marina slip. If you want a slip, verify availability, the size limit, and the cost, since the 93 slips are limited.

3

Read the homesite and view. Riverfront and fairway positions carry premiums over interior lots; the view drives value.

4

Inspect a large home honestly. Roof, HVAC, pool, and systems on homes that range to 8,000-plus square feet drive cost; price the condition.

5

Comp by homesite and view. Match the home to recent closed sales with a similar riverfront, fairway, or interior position and condition, not to a community average.

Best Buy
An updated home on a riverfront or fairway lot with marina-slip access confirmed, priced to recent comparable sales.
Biggest Risk
Underbudgeting the membership and marina costs or the systems on a large older home, or assuming a slip is available.
Best Lot
Riverfront and fairway homesites carry premiums; interior lots without a view trade lower.
Smart Timing
A low-density, thin market rewards a prepared buyer who reads the homesite and confirms the marina and membership terms.
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Palm Cove Golf & Yacht Club is a guarded, gated Toll Brothers community in Palm City, Martin County (ZIP 34990), on the St. Lucie River, of only 232 luxury homes from about 2,000 to over 8,000 square feet. Amenities include a par-71 Chi Chi Rodriguez golf course and pro shop, a private 93-slip marina for boats up to about 60 feet with river and ocean access, and a Riverfront Yacht Club with a fitness center, dining, and a pool. The community is in the Martin County School District; assignments are set by address, so verify the exact zoned schools with the district.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Entry: interior or original-condition homes
$590K to $870K

Homes on interior lots or needing updates. The entry into a gated golf-and-yacht community; price the condition and confirm the membership and any slip access.

Lowest entry
Core: updated homes on fairway or river-view lots
$870K to $1.39M

Well-kept homes on fairway or partial-river-view lots. The heart of the market, where the homesite, view, and condition separate similar homes.

Most inventory
High: large estates on riverfront with slips
$1.39M to $3.40M

The largest estates on direct riverfront with marina-slip access. The top of the community, priced on the water, the slip, and the finish.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

$590K to $870K
Entry: interior or original-condition homes
Homes on interior lots or needing updates. The entry into a gated golf-and-yacht community; price the condition and confirm the membership and any slip access.
$870K to $1.39M
Core: updated homes on fairway or river-view lots
Well-kept homes on fairway or partial-river-view lots. The heart of the market, where the homesite, view, and condition separate similar homes.
$1.39M to $3.40M
High: large estates on riverfront with slips
The largest estates on direct riverfront with marina-slip access. The top of the community, priced on the water, the slip, and the finish.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

No CDD on the tax billStrong
Central Palm City locationStrong
Scarce golf and lake homesitesStrong
$30M club reinvestment to 2028Positive
All-resale 1990s conditionManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Palm Cove

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

The private marina, the Chi Chi Rodriguez course, and the guarded gate are priced into every Palm Cove listing. The deal is in the homesite, the boating access, and the condition of a large home, not the headline number.

Jon Brooks · Founder, Momentum Realty
8.6A- · Buy Score
Resale Strength8.6/10
Renovation Risk5.6/10
Location Efficiency8.2/10
Long-Term Defensibility8.8/10
Carrying Cost Advantage6.0/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Palm Cove is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live BeachesMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live BeachesMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
GolfLake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from BeachesMLS; for orientation, not an appraisal.

15-Second Take
  • Riverfront and fairway homesites carry the premiums here.
  • Interior lots without a view trade lower.
  • The boating access and the homesite, not just the house, set the value.

In a low-density gated golf-and-yacht community, the homesite and the boating access are the value engine. Direct riverfront with marina-slip access and fairway positions command durable premiums, while interior lots without a view trade lower for good reason. Because the homes range widely in size and age, compare a home against recent closed sales with a similar homesite and view, then price the large home's condition against it.

Palm Cove in 15 seconds.

Best forBuyers who want a gated golf-and-yacht community with a private marina on the St. Lucie River in Palm City.
Strong onBoating and golf: a 93-slip marina, a Chi Chi Rodriguez course, and a Riverfront Yacht Club behind a guarded gate near A-rated schools.
WatchThe HOA and membership structure, the marina-slip availability and cost, and the condition of a large older home.
Not forBuyers who want an attainable price, a no-association lifestyle, new construction, or a small low-maintenance unit.
The edgeReading the homesite and confirming the marina and membership terms lets a prepared buyer avoid overpaying for the wrong lot or a missing slip.

HOA, CDD & Fees

15-Second Take
  • The HOA funds the guarded gate and the Riverfront Yacht Club; confirm inclusions.
  • The 93-slip marina is limited; confirm slip availability and cost.
  • Confirm the golf and yacht-club membership structure before you offer.

Palm Cove carries HOA dues that fund the gated, guarded community and amenities, with the golf and yacht-club membership structure and the marina handled alongside. Confirm the current dues, what they cover, the membership terms, the marina-slip cost, the reserves, and any assessment before you offer.

Dues generally fund the guarded gate, common areas, and the Riverfront Yacht Club amenities; confirm exactly how golf, the yacht club, and the marina slips are structured and priced with the association.

Amenities run through a par-71 Chi Chi Rodriguez golf course and pro shop, a private 93-slip marina (boats up to about 60 feet), and a two-story Riverfront Yacht Club with a fitness center, dining and bar, and a pool. Confirm the membership and slip terms.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Palm Cove, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Palm Cove, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Palm Cove home worth?

Get a no-obligation home value based on real comparable sales in Palm Cove matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in Palm Cove Golf & Yacht Club on the map →
Or get your Palm Cove Golf & Yacht Club home value & selling guide →

Real comps, not a Zestimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Palm Cove Golf & Yacht Club year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

Palm Cove Market Scorecard

Buyer-Leaning Market (limited data)

Palm Cove is currently a buyer-leaning market (limited data). About 5.3 months of supply, a median asking price of $787,500, and homes go under contract in about 52.5 days.

5.3
Months supply
$787,500
Median list
$1,015,000
Median sold
$315
Per sqft
52.5
Days on mkt
4/0/9
Active/Pend/Sold

Typical home value in the 34990 ZIP is $606,148, right around the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: BeachesMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Palm Cove Golf & Yacht Club located?
In Palm City, Martin County, Florida (ZIP 34990), a guarded, gated community on the St. Lucie River near Martin Highway, I-95, and the Turnpike, about 15 minutes from historic downtown Stuart.
Does Palm Cove have a marina?
Yes. The community has a private 93-slip marina available to homeowners, accommodating boats up to about 60 feet, with St. Lucie River and ocean access. Slips are limited, so confirm availability, the size limit, and the cost.
Is there golf at Palm Cove?
Yes. Palm Cove features a par-71 Chi Chi Rodriguez golf course and pro shop, alongside the Riverfront Yacht Club. Confirm the golf and yacht-club membership structure and what the HOA covers.
What kinds of homes are in Palm Cove?
Luxury single-family golf homes and estate residences, only 232 in total, ranging from about 2,000 square feet to over 8,000, many with riverfront or fairway views. The homesite, view, and condition drive value.
What is the Palm Cove HOA fee?
The HOA funds the gated, guarded community and the Riverfront Yacht Club amenities, with golf, the yacht club, and the marina structured alongside. Confirm the current dues, what they cover, the membership terms, the marina-slip cost, and any assessment before you offer.
Is Palm Cove gated?
Yes. It is a guarded, gated community with controlled access and private internal roads, on the St. Lucie River.
How much do homes here cost?
Pricing is driven by the homesite (riverfront, fairway, or interior), the view, the home's size, and condition across a varied luxury stock. Treat any reported figures as third-party context and confirm with a comparable-sales analysis weighted to the homesite.
What schools serve Palm Cove?
The community is in the Martin County School District, near well-regarded schools. Assignments are set by home address and can change, so verify the exact zoned schools with the district before relying on it.
Can I get to the ocean by boat from Palm Cove?
Yes. The marina provides access from the St. Lucie River toward the inlet and the Atlantic. Confirm the route, any bridge clearances, and the slip size that fits your boat for the specific slip.
What should I check on a large home here?
Roof, HVAC, pool equipment, and systems on homes that can exceed 8,000 square feet, plus the homesite and view. Inspect by system age and price the condition and any modernization.
What should I verify before buying in Palm Cove?
The HOA dues and what they cover, the golf and yacht-club membership terms, the marina-slip availability and cost, the homesite and view, and the condition of a large home.
Do I need my own agent to buy in Palm Cove?
Yes. The listing agent works for the seller. Your own agent confirms the membership and marina terms, reads the homesite and a large home's condition, and comps by homesite and view so you do not overpay.
You want a gated golf-and-yacht community with a private marina on the St. Lucie RiverExcellent fit
You are a boater or golfer who wants slip access and a Chi Chi Rodriguez course behind a guarded gateExcellent fit
You want a larger home in a low-density Palm City community near A-rated schoolsExcellent fit
You want an attainable price point or a no-association lifestyleProbably not
You want new construction with a builder warranty or a small low-maintenance unitProbably not
You want a coastal or downtown-walkable address rather than a gated river communityProbably not

Get the inside read on Palm Cove

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Palm Cove home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Palm Cove specialist will reach out personally, usually the same day.

BeachesMLS logo
Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Listing photos provided by BeachesMLS, Inc. Information deemed reliable but not guaranteed.

Zoom out before you decide: see the Martin County market guide or every community in the Neighborhood Finder.

Own a home here?

You just read the data. Now see what your home is worth.

The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the local market average and 8 days faster, and we’ll price yours against live your area comps.

Looking to buy here? Search homes for sale →

What’s your home worth in your area?

A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.

or call (904) 351-6461
CallFree valuation →

More Palm City & Stuart & Martin County guides

Compare before you commit — every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Stuart & Martin County or the full Neighborhood Finder.

Talk to a Local Palm Cove Expert
Call Get Listings